Confession: We still use credit cards. Here are 5 reasons why.

5 reasons we still use credit cards

My first credit card was an RBC Visa. I still remember the process of getting it.

A few weeks after turning 19, I took the bus to the bank. After speaking with the teller, she pulled out an application form and led me a small table. I sat down, filled it out, then turned it in to be sent off.

I didn’t read any of the terms and conditions (although I checked the box saying I did).

A couple weeks later,  the card arrived in the mail. A little red sticker on the front explained how to activate it; I followed the instructions then stuck it in my wallet.

A decade later, I still have and use that same card. Looking back, I wish someone at the bank had talked with me about how to use it in a responsible way, although I think I have gotten a good handle on it over the years.

I still use credit cards.  And even though we have been working hard to pay off our $55K debt, I don’t have any intention of stopping.

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5 reasons you absolutely need a budget (and 6 tips to get you started)

You need a budget. This is why.

I didn’t have a budget until I moved into my first solo apartment in 2011.

OK. That’s only half true. It would be more accurate to say I didn’t have  a physical document outlining the details of how much money I make and how it should be spent.

Up to that point, I did what I think a lot of people do: I kept track of it in my head.  It was easy enough to do at the time – I was a student with a grand total of like, four bills, so it wasn’t as if I had a lot to keep track of.

But honestly, the main reason I didn’t have a physical budget is because the process seemed intimidating.

I didn’t even know where to start. So I didn’t.

And can I tell you something? That was…well, more than a little stupid on my part.

If you are a person who makes money, you absolutely need to have a budget. Thankfully, it’s not really all that difficult to get started.

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I picked an out-of-market NHL team. Here’s how much it’s cost me so far

I picked an out of market NHL team. Here is how much it cost me.

There are two common questions I get when I tell people I’m a Columbus Blue Jackets fan.

One is “who are they?”

And the other, more common one is “how did that happen?”

The first usually comes from people who don’t follow hockey while the second is more common among those who do. Typically posed by local friends and acquaintances, that second question is often laced with genuine curiosity: they honestly want to know what prompted me, a 29 year old woman from New Brunswick, Canada, to choose a very out of market team.

And I always answer the question the same way: it started as a joke.

About three years ago, I decided I wanted to get into hockey. I’ve never been a sports person, but my best friend loves the game so I figured why not give it a try.

When I told my husband, he suggested we should watch a game together. He’s a Montreal Canadiens fan so one night, we decided to put on a game.

That night happened to be November 4, 2016. Blue Jackets fans will remember what happened that night, but for those who might not be aware, well…

To say we were shocked would be an understatement. It was such a ridiculous blow-out from a team who, as my best friend put it, typically couldn’t buy a goal. After goal eight, even Jeff wanted them to keep going.

That was the night I picked the Blue Jackets as my team.

Three years later, it has definitely been a ride. There have been a lot of highs, a lot of lows and a lot of things in the middle.

There have also been, as it turns out, a few expenses.

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Why I’m thankful for our debt

Why I'm thankful for our debt

Happy (Canadian) Thanksgiving, Our Bill Pickle readers!

What I love most about Thanksgiving is how it encourages reflection. It can be so easy in the hustle and bustle of daily life to lose track of what matters – and forget all the reasons we have to be thankful.

This may come as a surprise to you, but one thing I am thankful for this year is our debt.

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Budget Update: September 2018

Budget Update for September 2018

Fall is officially here and honestly? Hallelujah for that!

I hate to be the kind of person who wishes the summer away, but I’m ready for change – specifically, I’m ready for cooler weather.

Yes, I’ll be singing a different tune when the snow falls, the heat and humidity was unbearable some days this summer. I hate feeling gross and sticky all the time.

Bring on sweater weather, please!

New month means new budget update and new monthly goals. Here’s how we did in September (and a look ahead to October).

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